We're sorry that you've been declined for a Kravings loan, we know this can feel disappointing. You should have received a message from us after your loan application finished, explaining if this decision was based on our internal policy or something on your credit file.

All of our decisions are made after a careful review and based on our internal policy requirements, which we apply to ensure responsible lending and to protect our customers' financial wellbeing.

We understand that it can be frustrating not knowing the specific reasons for your loan being declined. However, we are not able to disclose specific details regarding the policy factors that lead to our decisions.

We recommend reviewing your credit file, as this may provide helpful insights into your current financial standing. You can access your credit report for free through the following services:

These services can provide you with a detailed report of your credit history, which can help you understand any potential issues that may have contributed to your loan being declined.

Should your circumstances change in the future, you are welcome to reapply after 6 months. We appreciate your interest in Kravings and hope to be able to assist you with your financial needs in the future.